AMER JYOTHI K
Bengaluru
Summary
FRM Certified Risk Manager with 15+ years of experience in the Banking Industry. Specializes in Credit Risk Management, Asset Liability Management, Operational Risk Management, Liquidity Stress Testing, and Regulatory Returns & Reporting. Demonstrated expertise in Credit Risk Rating Models, Liquidity Risk Management, and Stress Testing. Strong analytical skills for root cause analysis and devising mitigation plans.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Senior Manager - Risk Management (MMGS III)
Canara Bank
10.2019 - Current
- Heading of Asset Liability Management Section of the Bank and guided the Team for Managing of the Interest Rate Risk and Liquidty Risk of the Bank.
- Submission of Quarterly Tranche Point to the National Regulator.
- Computation and Review of Liquidity Coverage Ratio Computation on regular intervals.
- Computation and Review of MCLR Computation on a monthly basis.
- Review of Behavioral Study for CASA, Deposit, and other business parameters.
- Review of Structural Liquidity Statements of the Bank.
- Review of Interest Rate Sensitivity Statement and preparedness of the Bank in Interest Rate Risk in Banking Book.
- Preparation of Asset Liability Management Policy of the Bank.
- Headed the Credit Risk Rating Teams in Head Office, Canara Bank, and guided the team for successfully completing the Risk Rating as per timelines.
- Reviewed Internal Credit Risk Rating of Corporate Accounts.
- Imparted training in Risk Management and Risk Rating to officers in different Branches and Offices of Canara Bank.
- Review of Quarterly Risk Rating of Listed accounts
- Tested different risk rating models.
- Reviewed the Existing Credit Risk Rating Models.
- Prepared Quick Ratio benchmark for the Bank.
- Prepared the Cross Default Guidelines.
- Computed and monitored exposures under the Large Exposure Framework.
- Reviewed and monitored substantial exposure, exposure to specified borrowers.
- Monitored the exposure to different sectors.y and sectors
Manager (MMGS III) - Relationship Manager (Medium Enterprises)
State Bank of India
Ernakulam
02.2018 - 10.2019
- Conducted Internal Credit Risk Rating of the Borrowers under Credit Risk Assessment Model and Credit Underwriting Engine.
- Conducted pre-sanction inspection and due diligence of the customers, and prepared the Sanction notes for the loan proposals by identifying the risk involved and proposing risk mitigants.
- Presented the Credit Sanction Proposals to various sanctioning committees, including the Highest Committee in the Bank.
- Completed post-sanction activities, including completion of documentation, creation of mortgage, and registration of charge with Cersai and the Registrar of Companies.
- Maintained the performance and asset quality of the allocated portfolio by periodic visits to the borrower, scrutiny of periodic statements submitted by the borrowers, including stock statements.
- Ensured quick query resolution and personal attention for addressing customer grievances.
Manager (MMGS- II), Operational Risk Management
Union Bank of India
Mumbai
03.2017 - 02.2018
- Computation of Operational Risk Capital under Basic Indicator Approach.
- Parallel run for Computation of Operational Risk Capital Charge under the Standardized Approach.
- Involved in preparation for migrating to Computation of Operational Risk Capital Charge under the Advanced Measurement Approach
- Internal Loss Data Collection – Collection and Mapping to business lines and event types.
- External Loss Data Collection – Using CORDEX Platform and from public sources.
- Scenario Analysis – Conducting a Scenario Analysis Workshop
- RCSA – Conducting Risk Control Self-Assessment Workshops
- Preparation of region-wise risk profile templates for analysis by the top management.
Manager Retail Banking Group
IDBI Bank Ltd
Thrissur
06.2014 - 03.2017
- Processing and Credit Monitoring and Administration of SME Loan, Agriculture Loan, and Structured Retail Assets, including disbursement, servicing, and monitoring of the accounts.
- Ascertaining various risks relating to the credit proposals and proposing suitable mitigants for the risks.
- Sourcing of SME Loan, Agriculture Loan, and Structured Retail Assets, and Recovery follow-ups for NPA accounts.
- Conducting regular customer and factory visits and ensuring a healthy portfolio.
- Liaison with District Administration for government schemes.
Assistant Manager
IDBI Bank Ltd
Chennai
06.2009 - 06.2014
- Credit Management of Agri, MSME, and Structured Retail Credit Portfolio, including identification of Risk and proposing Risk mitigants, sanctioning, documentation, and housekeeping of the security documents.
- Review of the accounts and ensuring the performance of the accounts in the allotted portfolio.
- Imparted training sessions to staff and mentored them to improve the effectiveness and address areas of weakness.
- Delegated work to staff, setting priorities and goals
Education
MBA - Finance and Operations
Institute of Management Technology
Nagpur03-2009
Bachelor of Technology - Mechanical Engineering (Industrial Stream)
College of Engineering, Trivandrum
Trivandrum, Kerala, India01.2004
Class XII - CBSE
M E S Raja Residential School
Calicut01.2000
Class X - CBSE
M E S Raja Residential School
Calicut01.1998
Skills
- Liquidity Risk Management
- Interest Rate Risk Management
- Stress Testing
- Computation of LCR and NSFR
- Credit Risk Rating
- Team Management
- Operations Management
- Documentation And Reporting
- Data-driven decision-making
- Cross-functional team leadership
- Risk Management Framework
- Six Sigma Green Belt
- Project Management
Certification
- Financial Risk Management (FRM)issued by Global Association of Risk Professionals (GARP)
- Risk in Financial Services by IIBF and CISI London
- Certificate in Risk Management by National Institute of Bank Management
- Certified Treasury Professional IIBF
- Certificate in International Trade Finance
- Certificate in IT Security
- Certificate in Prevention of Cyber Crime and Fraud Management
- Certification in Information System Banker
- Diploma in Information System Audit
- JAIIB & CAIIB – IIBF Mumbai
Affiliations
· Six Sigma Green Belt Certification Asian Institute of Quality Management.
· Training in Risk Management in Banks – IIBF Mumbai.
· Credit Management Training in SBI CRM Gurugram.
· Various training programmes in processing of SME and Agri Loans in IDBI Bank.
· Among Top 5 in Marketing in International Case Masters Case Study Competition in IIM Ahmedabad
Timeline
Senior Manager - Risk Management (MMGS III)
Canara Bank
10.2019 - Current
Manager (MMGS III) - Relationship Manager (Medium Enterprises)
State Bank of India
02.2018 - 10.2019
Manager (MMGS- II), Operational Risk Management
Union Bank of India
03.2017 - 02.2018
Manager Retail Banking Group
IDBI Bank Ltd
06.2014 - 03.2017
Assistant Manager
IDBI Bank Ltd
06.2009 - 06.2014
MBA - Finance and Operations
Institute of Management Technology
Bachelor of Technology - Mechanical Engineering (Industrial Stream)
College of Engineering, Trivandrum
Class XII - CBSE
M E S Raja Residential School
Class X - CBSE
M E S Raja Residential School
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